Often when choosing a short-term plan we only focus on the daily or monthly premium. But there are many other matters that are of vital importance. We need to ask ourselves what is the deductible? What is the maximum coverage? How is pre-existing condition defined? Is there any provision for unexpected recurrence of a pre-existing condition? Can the plan be renewed? Can it be renewed online? And another vital question is, What is the benefit period? The benefit period defines the amount of time a short-term plan covers an individual from the time of injury or sickness. If you were on a short-term plan and were injured one day before you came back to the USA and your insurance ended, would you have any coverage? On most plans you will be covered for six months from the time of injury. This is the benefit period. Also, be aware that some insurance companies scale back on maximum coverage if the benefit period is in the USA. If the plan you are choosing does not have a good benefit period, it would be wise to look at another plan. You can see a wide variety of short-term plans that we have available at https://www.gninsurance.com/travel-insurance-for-groups-traveling-together/.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.